3 Best European Betterment Alternatives in 2026
The best European alternative to Betterment in 2026 is Indexa Capital, based in Spain. All 3 options below are European-owned, GDPR-native and ranked by feature parity and relevance.
By the EU Alternatives team Last updated
Our top pick this year is Indexa Capital, but every option on this list is European-owned, GDPR-native, and production-ready. Worth a closer look: Scalable Capital, Yomoni.
Betterment alternatives are mainly Other. Browse that category for a wider shortlist beyond this list.
Top European Betterment alternatives compared
| # | Alternative | Country | Open source | Free tier | Compare |
|---|---|---|---|---|---|
| 1 | Indexa Capital | Spain | No | No | vs Betterment → |
| 2 | Scalable Capital | Germany | No | No | vs Betterment → |
| 3 | Yomoni | France | No | No | vs Betterment → |
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Globally diversified index portfolios with fees that fall as your assets grow, regulated by the CNMV across three countries.
Spain's largest independent robo-advisor, managing globally diversified index-fund portfolios from Madrid since 2015, with 5.8 billion euros under management across Spain, France and Belgium.
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Fully managed ETF portfolios with automatic rebalancing and a BaFin-regulated bank behind them, from 0.75% a year.
Munich digital wealth manager and broker whose Wealth product runs fully managed ETF portfolios with automatic rebalancing for 0.75% a year, under BaFin supervision.
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Managed ETF portfolios inside French tax wrappers, with a 0.7% management fee and no entry or exit charges.
French robo-advisor with an AMF management licence, running ETF portfolios inside assurance-vie, PEA, PER and brokerage wrappers for an all-in maximum of 1.6% a year.